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Most small employers oppose state, federal government as auto-IRA sponsors: survey

January 13, 2017

While the vast majority of small-business owners support the idea of offering auto-IRAs to their employees, most oppose the plans being sponsored and administered by the state or federal government, according to a survey conducted by The Pew...

Medicare decisions get personal

January 13, 2017

This is my latest dispatch from the retirement front, an occasional series of articles where I chronicle my personal retirement decisions that I hope can offer some insights for advisers working with retired and soon-to-be-retired clients. This...

10 important client considerations with 401(k) rollovers

January 12, 2017

A tremendous amount of money flows from 401(k)s to IRAs every year through rollovers as individuals retire, switch jobs or just consolidate their wealth. Financial advisers are eager to serve this marketplace due to the opportunity involved....

Health savings accounts front and center amid Obamacare repeal efforts

January 12, 2017

With Republicans in Congress moving aggressively toward replacing all or major parts of Obamacare, health savings accounts are expected to become a centerpiece of managing health care-related expenses going forward. As part of the campaign to...

Why retirement plan advisers should care about the HSA market

January 11, 2017

Why should retirement plan advisers care about health savings accounts? The short answer: The HSA market is growing and there is a void in education and advice, which retirement plan advisers are perfectly positioned to fill. The money in HSAs...

Why This May Be the Right Time to Sell Your Practice

January 11, 2017

There's no more daunting task than creating a succession plan for your practice. You're busy. You'd rather be serving clients. Adding to the challenge, it feels more complicated the more successful and sophisticated your business becomes. It's...

RIAs could be ultimate winners if DOL fiduciary rule is repealed or delayed

January 11, 2017

As potential delays and road blocks pile up in front the Department of Labor's fiduciary rule, an irony is emerging in that the strongest supporters of the rule could benefit the most from the rule's demise. Independent registered investment...

Social Security to stop mailing paper statements — again

January 10, 2017

The Social Security Administration announced it will stop mailing estimated benefit statements to most American workers in a cost-saving move that is expected to save about $11 million this year. Well, “announced” may be too strong a word....

What's in your IRA? GAO says retirement accounts hold lots of 'unconventional assets'

January 10, 2017

Individual retirement accounts held roughly $50 billion in “unconventional assets” in half a million accounts at the end of 2015, according to a report published Monday by the Government Accountability Office. Real estate, private equity...

John Hancock picks robo for retirement accounts

January 10, 2017

John Hancock Retirement Plan Services will integrate NextCapital's digital 401(k) platform and begin offering its automated retirement plans and IRA rollovers over the next 12 months. NextCapital's robo-platform allows retirement plan participants...

State auto-IRA programs could be a boon for 401(k) advisers

January 9, 2017

State retirement programs like the ones being established in California and Maryland may, at first blush, seem to pose competition for 401(k) advisers. After all, the programs would seemingly take away potential client prospects. Aside from...

Congressman introducing bill delaying DOL fiduciary rule

January 6, 2017

Rep. Joe Wilson, R-S.C., introduced a bill Friday that would delay the implementation date of the Department of Labor's fiduciary rule by two years from enactment of the legislation. "This legislation will delay the implementation of this job-destroying...

J.C. Penney agrees to pay $4.5 million to settle 401(k) suit

January 6, 2017

Department-store chain J.C. Penney is poised to pay $4.5 million to settle allegations over company stock in the firm's 401(k) plan, following a district court judge's preliminary approval of the settlement. Participants in the company's 401(k)...

Americans steadily boosting 401(k) deferral rates

January 5, 2017

Saving for retirement requires making sacrifices now so your future self can afford to stop working later. Someday. Maybe. It's not news that Americans aren't saving enough. The typical baby boomer, whose generation is just starting to retire,...

Social Security changes coming to beneficiaries and taxpayers in 2017

January 5, 2017

Social Security benefits for about 60 million retired and disabled workers and their dependents will increase slightly in 2017, but for many beneficiaries, the minuscule 0.3% cost-of-living adjustment will be wiped out by higher Medicare premiums....

Retirement coaching could improve post-career happiness

January 5, 2017

Helping clients prepare for the giant step of retiring can require more than a focus on finances and an ad hoc discussion about hobbies. For some clients, a successful retirement may demand specialized coaching from a growing number of professionals...

Prudential, Captrust win 401(k) fiduciary breach lawsuit

January 4, 2017

Prudential Financial and CAPTRUST Financial Advisors have defeated allegations of fiduciary breach in a 401(k) lawsuit against the two companies and the employer sponsoring the retirement plan. Connecticut district court judge Victor A. Bolden...

Outlook for 2017 retirement plan litigation

January 3, 2017

2016 saw an uptick in litigation targeting retirement plan fiduciaries, and 2017 will see more of the same, plus the resolution of the definition of a church plan with respect to organizations affiliated with churches, and more cases involving...

7 Social Security fixes to boost benefits

January 3, 2017

Sometimes a financial adviser engages a new client who has already begun collecting Social Security benefits. Or, perhaps an existing client files for Social Security without consulting the adviser about how it will impact the overall retirement...

Obama administration shows more support for annuities in 401(k) plans

January 3, 2017

In its most recent show of support for lifetime income products in defined-contribution plans, the Obama administration has said it may be “prudent” in particular circumstances to default participants into target date funds that bundle in...

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